2019, thus far – Our Most Interesting Claims

The owner of a condominium building suffered damage to an expensive copper and slate tile roof and filed an insurance claim. The adjuster inspected the damage and determined that there was no damage associated with the storm. He added weight to his denial of the claim by paying an engineer to inspect the roof and agree with him, and the engineer dutifully complied. The owner’s contractor recommended that he contact me to see if I could assist him. After a very close review of the engineer’s written report, I found language in it that supported the owner’s claim and in a matter of a few weeks, we negotiated a payment of over $21,000.00 to repair his roof.

The owner of a dwelling that was over 125 years old and located in a historical district suffered hail damage to a unique roofing system made from materials that have not been manufactured since 1945. Using an engineering report that they had acquired from a young man who had graduated engineering school eighteen months prior to this inspection, his insurance company offered the owner a small amount of money to make insufficient repairs that were not consistent with the design of the roof or with the ordinances enforced within the historical district. After several months of fruitless debate with his insurance company and with the recommendation of his roofing contractor, he contacted me. I negotiated an agreement for a settlement for over $236,000.00.

The owner of a commercial building that had suffered serious damage from wind and hail filed a claim with his out-of-state insurance company in Florida. Although the roof was damaged to where it was leaking water into the businesses below, his insurance company hired an engineer to agree with their decision to deny the claim, refused to pay him and did not answer his numerous inquiries for over six months. At the end of his rope, he contacted me for assistance. After three months of negotiations and using nothing more than the language in the engineering report that the insurance company had used to deny the claim, I negotiated an agreement for them to pay my client over $682,000.00 for the replacement of the destroyed roof which they had previously refused to pay anything.

A church in a major metropolitan area in Missouri sustained substantial damage from hail, wind, and a lightning strike in the spring of 2018. While the insurance company was going through the motions of adjusting the claim and promising payment, by the summer of 2019 the church had been paid none of the money that had been promised from the insurance company to begin the repair and the most substantial and expensive part of their loss had not even been addressed. Their contractor suggested that the church leaders contact me for assistance. Within a matter of weeks, I negotiated the release of over $70,000.00 of past due funds owed to the policyholder and initiated recovery for an additional $180,000.00 for damages that were overlooked and not included in the original settlement.

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